Call reports 2015
HOME LOAN SAVINGS BANK, THE — 2015
What HOME LOAN SAVINGS BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 179,362,000 | 187,763,000 | 193,063,000 | 196,819,000 |
| Total loans | 155,548,000 | 164,429,000 | 169,173,000 | 172,548,000 |
| Allowance for loan losses | 2,093,000 | 2,095,000 | 2,112,000 | 2,146,000 |
| Securities available for sale | 3,005,000 | 2,504,000 | 2,505,000 | 2,997,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,350,000 | 142,638,000 | 141,336,000 | 145,823,000 |
| Interest-bearing deposits | 122,039,000 | 124,288,000 | 124,859,000 | 129,061,000 |
| Noninterest-bearing deposits | 16,311,000 | 18,350,000 | 16,477,000 | 16,762,000 |
| Equity capital | 21,213,000 | 20,112,000 | 20,920,000 | 21,680,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,066,000 | 4,254,000 | 6,513,000 | 8,805,000 |
| Interest expense | 171,000 | 353,000 | 541,000 | 746,000 |
| Net interest income | 1,895,000 | 3,901,000 | 5,972,000 | 8,059,000 |
| Noninterest income | 243,000 | 493,000 | 737,000 | 967,000 |
| Noninterest expense | 1,156,000 | 2,331,000 | 3,397,000 | 4,524,000 |
| Provision for loan losses | 55,000 | 65,000 | 90,000 | 120,000 |
| Pretax income | 927,000 | 1,998,000 | 3,222,000 | 4,382,000 |
| Income tax | 315,000 | 486,000 | 902,000 | 1,296,000 |
| Net income | 612,000 | 1,512,000 | 2,320,000 | 3,086,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,210,000 | 20,109,000 | 20,917,000 | 21,683,000 |
| Total capital | 22,858,000 | 21,856,000 | 22,733,000 | 23,520,000 |
| Risk-weighted assets | 131,468,000 | 139,290,000 | 144,978,000 | 146,637,000 |